RE: Why wife can't take an HSA-eligible insurance plan in August 2025
Bill and Opus17, for being late in my learning, I apologize for taking your precious time.
I just looked up my Medicare account, and I am no longer an HSA-hopeful. (All work and no savviness makes me an HSA-deficient partner!) Even while I am still working and have been on my company health plan the past 5 years, the minute I received that Card, no more talk of HSA applies to me.
The way things now look, the only thing I should focus on is to minimize that impact on my wife’s eligibility in 2026.
My wife has been dependent on my company's non-HDHP health plan, which ends this December 2025.
I assume she cannot enroll into a HDHP plan by herself, at the start of 2026, to be independent of her work's open enrollment later in July 2026.
I will study your other useful, detailed suggestions to apply once my wife gets to enroll in her own HDHP.
For me, the straddling coverage / dependency is indeed a puzzle once one partner gets locked into Medicare.
Thank you!
